The strength and integrity of relationships

Bank of Baroda believes in the strength and integrity of relationships built with its customers like you. With over 102 years of experience in the banking industry and a wide network of over 3450 branches all over the country, we have always been active in extending financial support and adapting to your changing needs. Our Deposit Products, Retail Loans, Credit Cards and Debit Cards help you with your growing financial needs. With facilities like Lockers we ensure that your valuables are safe with us. Our countrywide branches offer you convenience and ease in operating your account wherever you are. Our 24-hour ATMs enable you to withdraw cash, check your account balance and request for a new chequebook even after banking hours. Faster technology for better service Baroda Internet Banking / Baroda Mobile Banking, our latest Internet and Mobile banking initiatives enable you to operate your account just as you would in any of our branches. You can through the Internet check your balance, request for chequebooks and print account details. Choose from our various products and services, that we sincerely feel will put a smile on your face; an investment we would like to bank on forever. International Operations Wide global network Bank of Baroda started its overseas journey by opening its first branch way back in 1953 in Mombassa, Kenya. Since then the Bank has come a long way in expanding its international network to serve NRls/PIOs, Indian Corporates around the world and to meet the banking requirements of the local population in the country of operation. The Bank has transformed into India's International Bank. The Bank has significant international presence with a network of 86 branches/ offices in 25 countries including 54 branches/offices of the Bank, 29 branches of its 8 Subsidiaries and 3 Representative Offices in Malaysia, Thailand & Australia. The Bank also has a Joint Venture in Zambia with 12 branches. The Bank has presence in world's major financial centers i.e. New York, London, Brussels, Dubai, Hong Kong and Singapore. Bank of Baroda is pursuing an ambitious overseas expansion plan and is in the process of identifying/opening more overseas centers for increasing its global presence to serve its 39 million global customers in still better way.

Bank has plans to establish overseas offices in Canada, Qatar, Suriname, Kuwait, Saudi Arabia etc and also expand the network in UAE, Oman, Mauritius, China, Botswana, Kenya and Uganda etc. It has further plans to upgrade its Representative Offices in Australia to a branch and set up a Joint venture Commercial Bank in Malaysia. Products & Services By Branches in India The banking services at the 10 International Business Branches (IBB), 2 Non Resident Indian Branches, 130 Authorised Branches as well as more than 3350 other branches are provided for the benefit of Indian customers, corporations, NRI's, Overseas Corporate Bodies, Foreign Companies/ Individuals as well as Foreign Banks etc. Services that target these groups include: 1. 2. 3. 4. 5. 6. 7. NRI Services Foreign Currency Loans in India (FCNR 'B' Loans) Export Finance / Services Import Finance / services Correspondence Banking Services in India All General Banking Services Treasury Services

By Branches outside India The international banking services of Bank of Baroda at its overseas branches are provided for the benefit of its Indian customers, local customers, NRI's, subsidiaries and joint ventures of Indian corporations operating out of India, foreign entities, multinational corporations, banks as well as customers around the globe. Services that target these groups include: 1. 2. 3. 4. All general Banking Services including Corporate/ Retail lending NRI Services Foreign currency credits to the Indian corporations Arranging/ participating in the Syndicated loans of Indian corporations as well as rated multinational corporations. 5. Correspondent Banking services to the Indian Banks/ corporations 6. Trade Finance (Bills Discounting) 7. International Treasury Services The cross border foreign currency lending to Indian corporate, trade finance and treasury services are provided at the money center branches as well as the subsidiary in Hong Kong. General banking services are provided at all the branches/ subsidiaries/ joint ventures. A saga of vision and enterprise It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, is a saga of

vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage and state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory. It is a story that needs to be shared with all those millions of people - customers, stakeholders, employees & the public at large - who in ample measure, have contributed to the making of an institution. Our mission statement To be a top ranking National Bank of International Standards committed to augmenting stake holders' value through concern, care and competence.

Our Logo Our new logo is a unique representation of a universal symbol. It comprises dual B letterforms that hold the rays of the rising sun. We call this the Baroda Sun. The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy its far reaching rays dispel darkness to illuminate everything they touch. At Bank of Baroda, we seek to be the source that will help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable partner who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum return on their investment. The single-colour, compelling vermillion palette has been carefully chosen, for its distinctivenes as it stands for hope and energy. We also recognize that our bank is characterised by diversity. Our network of branches spans geographical and cultural boundaries and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds. The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism it is meaningful for our many audiences and easily decoded by all. Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalised world. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both.

It all started with a visionary Maharaja's uncanny foresight into the future of trade and enterprising in his country. On 20th July 1908, under the Companies Act of 1897, and with a paid up capital of Rs 10 Lacs started the legend that has now translated into a strong, trustworthy financial body, THE BANK OF BARODA. It has been a wisely orchestrated growth, involving corporate wisdom, social pride and the vision of helping others grow, and growing itself in turn. The founder, Maharaja Sayajirao Gaekwad, with his insight into the future, saw "a bank of this nature will prove a beneficial agency for lending, transmission, and deposit of money and will be a powerful factor in the development of art, industries and commerce of the State and adjoining territories." Bank of Baroda (BoB) is the third largest bank in India, after the State Bank of India and the Punjab National Bank and ahead of ICICI Bank.[3] BoB is ranked 763 in Forbes Global 2000 list. BoB has total assets in excess of Rs. 3.58 lakh crores, or Rs. 3,583 billion, a network of over 3,409 branches and offices, and about 1,657 ATMs. It plans to open 400 new branches in the coming year. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, credit cards and asset management. Its total business was Rs. 5,452 billion as of June 30.[4] As of August 2010, the bank has 78 branches abroad and by the end of FY11 this number should climb to 90. In 2010, BOB opened a branch in Auckland, New Zealand, and its tenth branch in the United Kingdom. The bank also plans to open five branches in Africa. Besides branches, BoB plans to open three outlets in the Persian Gulf region that will consist of ATMs with a couple of people. The Maharajah of Baroda, Sir Sayajirao Gaekwad III, founded the bank on 20 July 1908 in the princely state of Baroda, in Gujarat. The bank, along with 13 other major commercial banks of India, was nationalised on 19 July 1969, by the government of India.

International presence

Bank of Baroda Building in Dubai In its international expansion, the Bank of Baroda followed the Indian diaspora, especially that of the Gujaratis. It has significant international presence with a network of 72 offices in 25 countries, six subsidiaries, and four representative offices. [5] Among the Bank of Barodas 43 overseas branches are ones in the worlds major financial centers (e.g., New York, London, Dubai, Hong Kong (which it has upgraded recently), Brussels and Singapore), as well as a number in other countries. The bank is engaged in retail banking via 17 branches of subsidiaries in Botswana, Guyana, Kenya, Tanzania, and Uganda. The Bank of Baroda also has a joint-venture bank in Zambia with nine branches. The Bank of Baroda maintains representative offices in Malaysia, China, Thailand, and Australia. It plans to upgrade its offices in China and Malaysia shortly to a branch and joint-venture, respectively.

The Bank of Baroda has received permission or in principle approval from host country regulators to open new offices in Trinidad and Tobago and Ghana, where it seeks to establish joint ventures or subsidiaries. The bank has received Reserve Bank of India approval to open offices in The Maldives, and New Zealand. It is seeking approval for operations in Bahrain, South Africa, Kuwait, Mozambique, and Qatar and is establishing offices in Canada, New Zealand, Sri Lanka, Bahrain, Saudi Arabia, and Russia. It also has plans to extend its existing operations in the United Kingdom, the United Arab Emirates, and Botswana. The slogan of Bank of Baroda is "India's International Bank". Bank of Braoda Branch Locator One can use www.bankbranchin.com to locate Bank of Baroda branches in India. You can also find IFSC code for BOB branches, that can used for NEFT and RTGS transactions. Further, all contact details, address, etc. can be easily filtered out with few clicks of mouse.[6] History 1908-1959

1908: Maharaja Sayajirao Gaekwad III set up Bank of Baroda (BOB)ps\pareek. 1910: BoB established its first branch in Ahmedabad. 1953: BoB established a branch in Mombasa and another in Kampala. 1954: BoB opened a branch in Nairobi. 1956: BoB opened a branch in Dar-es-Salaam. 1957: BoB established a branch in London. 1959: BoB acquired Hind Bank.

1960s

1961: BoB merged in New Citizen Bank of India. This merger helped it increase its branch network in Maharashtra.

BOB also opened a branch in Fiji.

1962: BoB opened a branch in Mauritius. 1963: BoB acquired Surat Banking Corporation in Surat, Gujarat. 1964: BoB acquired two banks, Umbergaon Peoples Bank in southern Gujarat and Tamil Nadu Central Bank in Tamil Nadu state. 1964: BoB lost its branch in Narayanjanj (East Pakistan) due to the Indo-Pakistan war. It is unclear when BOB had opened the branch. 1965: BoB opened a branch in Guyana.

1967: The Tanzanian government nationalized BoBs three branches there and transferred their operations to the Tanzanian government-owned National Banking Corporation. 1969: The Government of India nationalized 14 top banks, including BoB.

BoB incorporated its operations in Uganda as a 51% subsidiary, with the government owning the rest. 1970s

1972: BoB acquired The Bank of Indias operations in Uganda. 1974: BoB opened a branch each in Dubai and Abu Dhabi. 1975: BoB acquired the majority shareholding and management control of Bareilly Corporation Bank (est. 1928) and Nainital Bank (est. in 1954), both in Uttar Pradesh. Since then, Nainital Bank has expanded to Uttarakhand State. 1976: BoB opened a branch in Oman and another in Brussels. The Brussels branch was aimed at Indian firms from Mumbai (Bombay) engaged in diamond cutting and jewellery having business in Antwerp, a major center for diamond cutting. 1978: BoB opened a branch in New York and another in the Seychelles. 1979: BoB opened a branch in Nassau, the Bahamas. 1977: BoB Opened a branch in Imphal

1980s BoB opened a branch in Bahrain and a representative office in Sydney, Australia. BoB, Union Bank of India and Indian Bank established IUB International Finance, a licensed deposit taker, in Hong Kong. Each of the three banks took an equal share.

1985: BoB (20%), Bank of India (20%), Central Bank of India (20%) and ZIMCO (Zambian government; 40%) established Indo-Zambia Bank (Lusaka). BoB also opened an Offshore Banking Unit (OBU) in Bahrain. 1988: BoB acquired Traders Bank, which had a branch network in Delhi.

1990s

1990: BoB opened an OBU in Mauritius, but closed its representative office in Sydney. 1991: BoB took over the London branches of Union Bank of India and Punjab & Sind Bank (P&S). P&Ss branch had been established before 1970 and Union Banks after 1980. The Reserve Bank of India ordered the takeover of the two following the banks' involvement in the Sethia fraud in 1987 and subsequent losses.

1992 BoB incorporated its operations in Kenya into a local subsidiary with a small tranche of shares quoted on the Nairobi Stock Exchange. 1993: BoB closed its OBU in Bahrain. 1996: BoB Bank entered the capital market in December with an Initial Public Offering (IPO). The Government of India is still the largest shareholder, owning 66% of the bank's equity. 1997: BoB opened a branch in Durban. 1998: BoB bought out its partners in IUB International Finance in Hong Kong. Apparently this was a response to regulatory changes following Hong Kongs reversion to the Peoples Republic of China. The now wholly owned subsidiary became Bank of Baroda (Hong Kong), a restricted license bank.

BoB also acquired Punjab Cooperative Bank in a rescue.

BoB also incorporate wholly owned subsidiary BOB Capital Markets Ltd.for Broking Business. 1999: BoB merged in Bareilly Corporation Bank in another rescue. At the time, Bareilly had 64 branches, including four in Delhi.

In Guyana, BoB incorporated its branch as a subsidiary, Bank of Baroda Guyana. BoB added a branch in Mauritius, but closed its Harrow Branch in London. 2000s

2000: BoB established Bank of Baroda (Botswana). 2002: BoB acquired Benares State Bank (BSB) at the Reserve Bank of Indias request. BSB was established in 1946 but traced its origins back to 1871 and its function as the treasury office of the Benares state. In 1964, BSB had acquired Bareilly Bank (est. 1934), with seven branches; it also had taken over Lucknow Bank in 1968. The acquisition of BSB brought BOB 105 new branches. 2002: Bank of Baroda (Uganda) was listed on the Uganda Securities Exchange (USE). 2003: BoB opened an OBU in Mumbai. 2004: BoB acquired the failed Gujarat Local Area Bank, and returned to Tanzania by establishing a subsidiary in Dar-es-Salaam. BoB also opened a representative office each in Kuala Lumpur, Malaysia, and Guangdong, China. 2005: BoB built a Global Data Centre (DC) in Mumbai for running its centralized banking solution (CBS) and other applications in more than 1,900 branches across India and 20 other counties where the bank operates. BoB also opened a representative office in Thailand. 2006: BoB established an Offshrore Banking Unit (OBU) in Singapore.

2007: In its centenary year, BoBs total business crossed 2.09 lakh crores, its branches crossed 1000, and its global customer base 29 million people. 2008: BoB opened a branch in Guangzhou, China (02/08/2008) and in Kenton, Harrow United Kingdom. 2008: BoB opened a joint venture life insurance company with Andhra Bank and Legal and General (UK) called IndiaFirst Life Insurance Company 2009: The Bank of Baroda registered with the Reserve Bank of New Zealand, enabling it to trade as a bank in New Zealand (2009/09/01)

2010s

2010: Malaysia awarded a commercial banking license to a locally incorporated bank to be jointly owned by Bank of Baroda, Indian Overseas Bank and Andhra Bank. The new bank, India BIA Bank (Malaysia), will reside in Kuala Lumpur, which has a large population of Indians. Andhra Bank will hold a 25% stake in the joint-venture, BoB will own 40% and IOB the remaining 35%.

Subsidiaries BOB Capital Markets Ltd. (BOBCAPS) is a SEBI-registered investment banking company based in Mumbai, Maharashtra. [7] It is a wholly owned subsidiary of Bank of Baroda.[8] Its financial services portfolio includes Initial Public Offerings, private placement of debts, corporate restructuring, Business valuation, mergers & acquisition, project appraisal and loan syndication. Bank of Baroda financials 2011

Sales Rs. 24,695 crores Profits Rs. 4,241 crores Assets Rs. 3,58,397 crores

History:

Company History - Bank Of Baroda 1969 - The Bank was brought into existence by a Ordinance issue on 19th July, by the Central Government. The Bank is a Government of India Undertaking and carries on all types of banking business including foreign exchange. The Ordinance was replaced by the Banking

Companies (Acquisition and Trasfer of Undertaking) Act, 1969. - Besides managing public issues and giving underwriting support, the Bank established a `Non-resident Portfolio Management Consultancy Cell'. Due to closure of 2 branches in U.K. and 1 branch in UAE, non-operative branch in Bangladesh was not taken into account. 1970 - Income-Tax consultancy services was set-up in September to assist its constituents in the filing of income returns. - Bank of Baroda (U.K.) Nominees Ltd., London is a subsidiary of the Bank. Bob Fiscal Services Ltd., is also a subsidiary of the Bank which handles functions such as merchant banking, equipment leasing, investment banking, inter-corporate deposit, etc. Bank of Baroda (Kenya) Ltd., Kenya is subsidiary of the Bank. 1986 - The bank sponsored and set-up five RRBs taking the total number of RRBs to 19. - Rs 16 crores capital subscribed for by Government. 1988 - The erstwhile `Trades Bank Ltd.' was amalgamated with the Bank. - Rs 14 crores capital subscribed for by Govt. Rs 5.5 crore reimbursement received from World Bank. 1989 - Rs 891,47,850 capital subscribed for by Govt. 1990 - Rs 2704,41,129 capital subscribed for by Govt. 1991 - Rs. 11,491.97 lakhs capital subscribed for by Govt. 1992 - Rs. 9158.43 lakhs capital subscribed for by Govt.

1993 - Rs. 409,34,000 capital subscribed for by Govt. - The bank received `in principle' approval from RBI to set up a separate subsidiary for its credit card business. - The bank had established a new department to act as custodian of local shares issued by Indian companies who came out with Euro Issues (GDRs/ADRs) to raise funds from abroad. With this in view, the bank entered into an agreement with Bank of New York, who act as Depository for issue of GDRs by companies. - The bank was associated as lead manager/co-manager in respect of 142 issues involving a sum of Rs 3411 crores. The bank was activity considering setting up of a separate subsidiary to undertake all types of merchant banking activities. 1994 - Rs. 1,63,30,000 capital subscribed for by Govt. 1995 - Rs 163,93,59,000 capital from reserve fund. 1996 - The Bank devised new products, two new deposit schemes `BOB SUVIDHA', `BOB CAPITAL GAINS EXEMPTION DEPOSIT' was launched to suit the savings requirements of individuals, HUF, Association of persuing, firms and companies. - The bank initiated several measures to bring qualitative improvement in the area of credit. A fast track systems for processing credit proposals of A+ & A rated corporate client was introduced. In addition, schemes to increase credit fluid sectors like leasing, hire purchase, advances against shares, Can Loan Schemes etc. were formulated and guidelines were issued for increased lending to infrastructure projects.

- The Company lead managed 1 public and 5 rights issues aggregating Rs 40.541 lakhs through BOB Capital Markets Ltd. BOB Housing Finance Ltd. made a fresh disbursements of Rs 21 crores. Total cumulative loans sanctioned reached Rs 127 crores. - 3810,00,000 No. of Equity shares returned to Govt. of India. 1000,00,000 No. of Equity shares issued through prospectus to the public at a prem. of Rs 75 per share. 1997 - Bank of Baroda (BoB) has received permission from the Reserve Bank of India to open a branch at Durban in South Africa. BoB proposes to start operations in the country soon after it receives a banking licence from the South African Reserve Bank (SARB). - Bank of Baroda (BoB) proposes to undertake a survey of West Bengal, Sikkim and North-Eastern States to explore business opportunities and also for setting up new branches. - Bank of Baroda (BoB) proposes to wholly own the 120 million HK dollars IOB Bank in Hong Kong by increasing its stake from 33 per cent to 100 per cent to make its presence felt in the Far East. - Bank of Baroda (BoB) plans to have an alliance with a foreign bank for merchant banking. The proposed venture would manage external commercial borrowings (ECBs) by Indian corporates and handle disinvestment programmes of public sector undertakings. - Bobcards Ltd, a wholly owned subsidiary of Bank of Baroda, has achieved a 40 per cent growth in profit before tax in the first half year ended September, 1997. - Bank of Baroda's New York branch has received the highest 1 rating from the US Federal Reserve. This is for the first time that the US Fed has given the highest rating to any Indian bank branch operating in New York. 1998 - Bank of Baroda has become the first public sector bank to implement the autonomy package announced by the ministry of finance in November,

1997. - BoBGLOBAL, the first Indian credit card introduced for international use, with VISA tie-up, is already being accepted by over ten million establishments in over 60 countries. - The Bank of Baroda (BoB) plans to restructure its international operations, particularly in Europe and the United States (US) ahead of the launch of the euro, the European Union's single currency unit. - Bobcards Ltd, the wholly owned subsidiary of Bank of Baroda is looking for partners to enter into a joint venture. - Bank of Baroda is weighting the option of setting up a separate subsidiary dedicated exclusively to its highly profitable international business. - Bank of Baroda has the second largest resource base in the country after State Bank of India. - Bank of Baroda (BoB) has revised the rate of interest on foreign currency non-resident (banks) deposits for various maturities for different currencies effective October 26. - Bank of Baroda has revised the rate of interest on FNCR (b) deposits for various maturities for different currencies with effect from November 30. 1999 - Bank of Baroda (BoB) will co-ordinate with the finance ministry to set up a debt recovery tribunal (DRT) in Mumbai. - Bank of Baroda (BoB) has revised the rate of interest on its FCNR (B) deposits for various maturities and different currencies with effect from February 1. - Rating agency Icra has assigned the highest rating, LAAA (LAAA), to Rs.600 crore long-term unsecured subordinated bonds of Bank of Baroda (BoB). The public sector bank is coming out with the bond issue to increase its tier II capital. - Public sector Bank of Baroda has been designated as a clearing bank

for castor oil trading in the future, which will be launched by the Bombay Oilseeds and Oils Exchange (BOOE) on May 10. - Bank of Baroda has bought out the 49 per cent shareholding of Government of Uganda in Bank of Baroda (Uganda) Ltd, thus making it a fully-owned subsidiary of Bank of Baroda. - Bank of Baroda (BOB) is keen to diversify into the insurance sector, where the focus of its activities will be the rural population. BOB has proposed to enter health and general insurance where it plans to mainly target the rural areas. - Bank of Baroda (BoB) has made a proposal to the Union ministry of finance (MoF) to tap foreign markets for enhancing the bank's equity base. - International rating agency Standard & Poor's (S&P) has revised its rating outlook on Bank of Baroda (BoB) to stable from negative. 2000 - The BoB as launched services such as OmniBoB and BoBCash to help the customer practice anywhere-banking at 18 branches with the `Smart Card'. - Bank of Baroda launched its e-banking products in Chennai. - Bank of Baroda has joined hands with financial institutions such as IDBI and ICICI for a speedy recovery of dues from common problem accounts. - Bank of Baroda has set up a core support group consisting 500 knowledge workers from across its branches to help catalyse change management. - Bank of Baroda has opened its 104th branch in Kalyan and will also offer safe deposit lockers and a housing cell. - Bank of Baroda has decided that it will hold more than 50 per cent in the life insurance subsidiary it proposes to set-up. - Bank of Baroda will launch seven day banking in two branches of Chennai and Mylapore and K K Nagar, on 17th August. - The Bank is exploring strategic tie-ups with local and foreign

partners in the area of insurance, retail lending and Web banking. - Bank of Baroda and Punjab National Bank will tie up to form a subsidiary for a foray into life insurance business. - Bank of Baroda is in an advance stage of talks with a foreign insurance company for a life insurance joint venture and is expected to finalise the tie-up within a fortnight. - The Bank will introduce 7-day banking at 10 branches in Mumbai from October 8th. - Bank of Boarda will introduce `any branch banking' facility to make customer transactions at the nearest branch countrywide in the next 18 months. - The Bank of Baroda has signed up to be a depository participant with Central Depository Services (India) Ltd. 2001 - Bank of Baroda proposes to go in for a major drive to expand its ATM network across the country. - Bank of Baroda is tying up with a US-based IT company to set up the basic IT infrastructure of the bank at a cost of Rs 300 crore. - Crisil has assigned an `AAA' rating to the Rs 600-crore sub-ordinated bond issue of Bank of Baroda. - BANK of Baroda Housing Finance, a subsidiary of the Bank of Baroda, has disbursed a sum of Rs 50.0 crore to 2578 beneficiaries in rural and semi-urban areas under the golden rural housing schemes of the National Housing Bank. - BoB has signed a redeployment policy with its Federation Union, affiliated to the National Confederation of Bank Employees (NCBE) regarding the transfer of clerical staff. - Bank (BoB) has lowered interest rates by 25-40 basis points, for

FCNR (B) deposits in force from September 5, for different currencies, effective from September 17. - Bank of Barodas (BoB) net profit during the second quarter has dipped by 22.27 per cent to Rs 98.44 crore, down from Rs 126.64 crore in the corresponding period last fiscal. 2002 - GOI nominates N S Mhatre as Director on the Board of Bank of Baroda. -GOI nominates Anand Sinha on the Board of Bank of Baroda. -Govt sanctions merger of Benares State Bank with Bank of Baroda. -Bank of Baroda has informed BSE that the Benares State Bank Ltd now stands amalgamated with the bank wef June 20, 2002 and branches of erstwhile Benares State Bank Ltd have started functioning as Bank of Baroda's branches with effect from July 19, 2002. -Bank of Baroda has informed BSE that the Bank of Baroda (Uganda) Ltd., - Subsidiary of the Bank in Uganda has proposed to make Public Offer of 8 million equity shares of face value of Ushs.100/- each at an offer price of Ushs.600/- per share. The offer also involves concessional offer of 200 equity shares per staff member at a price of Ushs.350/-. The offer shall open on August 26, 2002. The said offer has been approved by RBI. -Bank of Baroda has informed BSE that the Government of India, Ministry of Finance, Department of Economic Affairs, Banking Division, New Delhi has nominated Mr Vinod Rai, Joint Secretary, Ministry of Finance & Company Affairs, Deptt of Economic Affairs (Banking Division), New Delhi as Director on the Board of the Bank with effect from October 25, 2002. -Bank of Baroda elects 4 Directorsthe Director so elected will assume office w.e.f. today (November 16, 2002) and will hold office till November 15, 2005. 1. Shri Amritlal Sanghvi 2. Dr M J Manohar Rao 3. Shri Pradip N Khandwalla 4. Shri Prem P Pareek -RBI grants BoB Capital Markets Ltd. to operate as a primary dealer in Govt. securities market -Comes out with two special policies for the victims of the communal riots in Gujarat

-Decreases its deposit rates by 25 basis points -IFCI gets Rs 100 cr credit from Bank of Baroda -BOBCARDS Ltd, a wholly-owned subsidiary of Bank of Baroda, in collaboration with Mastercard International, unveils PARAS credit cards -Tops Non Performing Assets (NPA) list -Shifts Central Office from Ballard Peir to Bandra -Unveils flexi-deposit scheme for corporates -Contributes Rs 1 lakh for repair of Akshardham temple for repairs of damages caused by terrorist attacks -Slashes down deposit rates by 25 basis points -Reduces its deposit rates by 50 basis points at the longer end deposits -Brings down floating rate on home loans by 0.75% -Launches international debit card in alliance with Visa International -BOB CARDS, a subsidiary of Bank of Baroda, and Cholamandalam Investment and Finance Company declare a tie-up to issue co-branded credit cards to Cholamandalam's vehicle finance customers 2003 -Decreases interest on domestic term deposits by 25-75 basis points across different maturities effective January 10,2003 -Gets govt. approval to raise Rs 600 crore through bonds -Unveils Super Savings Account, savings account with value added propositions -Appoints IBM, H-P, Accenture for Business Process Reengineering (BPR) -Paves the way for single-window banking across its 2,200 branches in the country -Cuts lending rates by 25 bp -Extends super savings scheme to Coimbatore account holders

-Ties up with Bharat Overseas Bank Ltd. (BOBL) to expand credit cards business in South India -Amends interest rates for FCNR(B) deposits -Picks up 10 pc stake in IFCI's Asset Care Enterprise (ACE) -Sign MOU with Small Industries Development Bank of India (SIDBI) to co-finance the small scale industries sector 2004 -Mobilizes Rs 300 Cr through Tier II bonds -Ministry of Finance, Department of Economic Affairs, Banking Division, New Delhi vide their Notification dated January 09, 2004 has nominated Shri G K Sharma, Chief General Manager in-charge Reserve Bank of India, Dept. of Administration & Personnel Management, Central Office, Mumbai as Director on the Board of the bank w.e.f. January 09, 2004 in place of Shri Ramesh Chander, Regional Director, RBI, New Delhi. -S P Garg is new managing director of Bobcards Ltd, a wholly-owned subsidiary of Bank of Baroda. -Bank of Baroda has informed that the Government of India, Ministry of Finance, Department of Economic Affairs (Banking Division), New Delhi vide their notification dated February 4, 2004 has appointed Dr. A K Khandelwal, Executive Director (ED) of Bank of Baroda as Chairman & Managing Director (CMD) of Dena Bank. -The government has chosen Bank of Baroda for channelising government credit to other countries which runs into billions of dollar -Ties up with Punjab Tractors for offering finance to farmers for buying tractors from Punjab Tractors -Bank of Baroda signed a memorandum of understanding with L&T John Deere Pvt Ltd to prop up farm sector lending. -Bank of Baroda inks pact with Escorts Ltd, Indo Farm Tractors & Motors Ltd to boost farm lending -BOB join hands with NIC for non-life insurance products -Bank of Baroda enters China -Ties up with Chennai-based Tractor & Farm Equipments Ltd (TAFE) for financing their tractors

-Mr T.V. Lakshminarayanan has taken over as the Head of the South Zone, Bank of Baroda -Bank of Baroda (BoB) has tied up with Mahindra and Mahindra Ltd (M&M) for tractor financing 2005 - BoB has appointed Dr A K Khandelwal, as the Chairman & Managing Director (CMD) of the Bank for a period of three years with effect from March 01, 2005 upto March 31, 2008 - Bank of Baroda signs contract with HP India Sales Pvt Ltd for implementation of Bank's IT enabled Business Transformation Process -BoB unveils new logo, ropes in Dravid as brand ambassador -Bank of Baroda inks co-financing agreement with SIDBI -Bank of Baroda has amalgamated its three sponsored regional rural banks (RRBs) into single RRB, called Baroda Gujarat Gramin Bank -BOB signs Memorandum of Cooperation with EXIM Bank -BoB unveils campaign on tractor, irrigation advances. 2006 -Bank of Baroda (BOB) has informed that the Bank and Infrastructure Development Finance Company Ltd (IDFC) have on February 16, 2006, entered into a Memorandum of Understanding (MOU) to enhance the provision of financing and other banking products and services to entities involved in infrastructure development. -The Bank of Baroda unveiled its first SME loan factory in Pune on Oct 13. - Bank of Baroda (BOB) has informed that pursuant to powers conferred by clause (b) of sub-section (3) of section 9 of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, read with sub clause (1) of clause 3 of the Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970, the Government of India, Ministry of Finance, Department of Economic Affairs (Banking Division) vide their Notification Dated October 31, 2006 have nominated Shri G C Chaturvedi, Joint Secretary (B&I) MOF, GOI as Director of the Bank vice Shri Vinod Rai with immediate effect. 2007 -Bank of Baroda and India Infrastructure Finance Company Ltd (IIFC) on January 10, 2007, have entered into an Memorandum of Understanding

(MOU) to enhance the provision of financing and other banking products and services to entities involved in infrastructure development. -Bank of Baroda , Andhra Bank and M/s. Legal & General Group plc, UK have signed an MoU on November 16, 2007 to form a Joint Venture (JV) for Life Insurance Business. -Bank of Baroda has appointed Shri. Atul Agarwal as a part time non official Director on the Board of Directors of the Bank for a period of three years with effect from November 23, 2007 or until further orders, whichever is earlier. 2008 -Bank of Baroda has appointed Smt. Shahid as Director on the Board of the Bank under section 9(3)(h) of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 vide Government Notification dated September 15, 2005 for a period of 3 years. 2009 - Bank of Baroda has announced the deposit rate cuts by 50 basis points across all maturities. - Bank of Baroda has appointed Dr. Masarrat Shahid as part time, non official director on the Board of Bank of Baroda, for a second term of three years w.e.f. October 29, 2009 or until further orders, whichever is earlier. 2010 - Bank of Baroda has appointed Shri N. S. Srinath as an Executive Director of the bank. - Bank of Baroda (BoB) has launched a Mobile Micro Loan Factory (MMLF) in Sultanpur district of Uttar Pradesh. - Bank of Baroda (BoB) has signed a Memorandum of Understanding (MoU) with the Unique Identification Authority of India (UIDAI).The memorandum which has been signed between the two organizations would make the bank to act as a registrar for the enrolment of UID for its existing and future customers. - A memorandum of cooperation (MoC) has been signed by Bank of Baroda (BoB) with the Dubai Multi Commodities Centre Authority (DMCC) in order to provide value added services to DMCC-registered companies as well as to enhance the proposition of operating in Jumairah Lake Towers (JLT) Free Zone. - Bank of Baroda has informed BSE that in exercise of the powers

conferred by of sub-section 3 (h) and (3-A) of Section 9 of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 read with sub clause (1) of clause 3 of The Nationalised Banks (Management & Miscellaneous Provisions) Scheme 1970, the Central Government vide its notification dated August 31, 2010, has nominated Shri. Satya Dev Tripathi as part-time non-official Director of the Bank, for a period of three years w.e.f. August 31, 2010 or until further orders, whichever is earlier.

Key Business Indicators (Rs. in Crore) Total Deposits Total Advances Total Investments Total Assets Net Profit Capital Adequacy Ratio (percentage) Net Non Performing Loans to Net Advances (percentage) Net Interest Margin (percentage) Business Per Employee (Lacs) Dividend History (Percentage) 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000

31.03.2011 305439.48 228676.36 71260.63 358397.18 4241.68 13.02 as per Basel I 14.52 as per Basel II 0.35 3.12 1229

31.03.2010 2 41 261.93 1 75 035.29 61 182.38 2 78 316.70 3 058.33 12.84 as per Basel I 14.36 as per Basel II 0.34 2.74 981

165 150 90 80 60 50 50 65 60 40 40 40

1999 1998

30 30

Branch Network (as of 1/8/2011) Area Metro Urban Semi-Urban Rural Total (Indian) Foreign (Overseas) Total (Global) Controlling Offices Zonal Offices Regional Offices Human Resources (Staff as of 01.04.2011) Officers Clerks Sub - Staff On Contract Total 15725 15602 7986 3 39313 10 49 No. of Branches 760 643 860 1187 3450 85 3535